Maintain settlement has something added (5)

I believe the answer is:

inset

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'something added' is the definition.
I can't judge whether this defines the answer.

'maintain settlement has' is the wordplay.
'has' says the answer is hidden in the clue.
'INSET' can be found hidden inside 'maintain settlement'.

Can you help me to learn more?

(Other definitions for inset that I've seen before include "Smaller map" , "Magazine feature" , "Stein (anag)" , "Minor figure" , "Part of picture" .)

I've seen this clue in The Daily Express.

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